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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,163 | $63,809-85.6% | $81,353-88.7% | $80,935-88.7% |
| Participation rate | 9.6% | 63.9%-54.3pp | 69.5%-59.9pp | 67.7%-58.0pp |
| Annual return | 14.37% | 16.37%-2.0pp | 24.82%-10.4pp | 35.66%-21.3pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $338 | $3,093-89.1% | $3,885-91.3% | $4,299-92.1% |
| Admin fee / account holder | $404 | $5,686-92.9% | $5,766-93.0% | $6,924-94.2% |